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Mortgage Rates & Disclosures

If you would like to apply for a mortgage product online, please review the rates and click the Apply Now button below. 

I have read and accept the rate information.

Rates effective as of April 17, 2014
SAFE Credit Union Mortgage Rate Sheet
SAFE Credit Union Mortgage Rate Sheet

We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

All rates and points are subject to change at any time.
Rates shown are for informational purposes only. No rate is guaranteed without a valid rate lock.
Certain rate and/or point adjustments may apply depending on loan features and borrower's credit worthiness.

View current rates or apply online anytime by visiting safecu.org.
Or, contact a SAFE Representative by calling (916) 979-7233 or (800) SEE-SAFE.
Jayne Anderson-NMLS# 536640, Matt Glasco- NMLS#536636, Casey Jenkins- NMLS#536639,
Chris Singh- NMLS#536635, Brandi Schaefer- NMLS#536637, Karen Swanson NMLS# 449724,
Joe Bloom NMLS# 502238, Greg Ward-NMLS# 305579
All rates quoted assume a 30-day rate lock. Longer rate lock periods are available.

Ask about our discounts for active duty military and veterans!


5/1 ARM to $417,0004,6,7 Rate Points % APR* Payment1,3
30 Year Amortization 5/1 ARM 3.000 0.000 3.030% $421.60
30 Year Amortization 5/1 ARM 85%
No Mortgage Insurance
3.250 0.000 3.118% $435.21
Conforming Fixed to $417,000 Rate Points % APR* Payment1,3
10-Year Fixed Rate Loan4 2.875 1.500 3.636% $959.85
3.000 0.750 3.599% $965.61
3.125 0.250 3.616% $971.39
15-Year Fixed Rate Loan4 3.125 2.000 3.727% $696.61
3.250 1.375 3.758% $702.67
3.375 0.625 3.771% $708.76
20-Year Fixed Rate Loan4 3.875 1.625 4.308% $599.41
4.000 0.875 4.344% $605.98
4.125 0.125 4.381% $612.59
30-Year Fixed Rate Loan4 4.125 2.000 4.474% $484.65
4.250 1.125 4.524% $491.94
4.375 0.500 4.596% $499.29
30-Year Fixed SAFE 95 Loan5
New!
4.375
1.250
4.662%
$499.29
4.500
0.625
4.733%
$506.69
4.625
0.000
4.804%
$514.14
HARP 17 Rate Points % APR* Payment1,3
15-Year Fixed Rate Loan 3.500 1.375 4.012% $714.88
3.625 0.750 4.043% $721.04
3.750 0.250 4.094% $727.22
20-Year Fixed Rate Loan 3.875 2.500 4.414% $599.41
4.000 1.625 4.435% $605.98
4.125 0.625 4.441% $612.59
30-Year Fixed Rate Loan 4.250 1.875 4.590% $491.94
4.375 1.125 4.651% $499.29
4.500 0.250 4.700% $506.69
HARP 27 Rate Points % APR* Payment1,3
15-Year Fixed Rate Loan 3.625 0.875 4.062% $721.04
3.750 0.500 4.132% $727.22
3.875 0.000 4.182% $733.44
20-Year Fixed Rate Loan 4.125 1.375 4.532% $612.59
4.250 0.625 4.567% $619.23
4.375 0.125 4.633% $625.92
30-Year Fixed Rate Loan 4.375 1.750 4.707% $499.29
4.500 0.875 4.756% $506.69
4.625 0.000 4.804% $514.14
Jumbo Fixed $417,001 to
$1,250,0004,7,8
Rate Points % APR* Payment2,3
15-Year Fixed Rate Loan 3.125 2.000 3.478% $3,483.05
3.250 1.375 3.512% $3,513.34
3.375 0.625 3.526% $3,543.80
30-Year Fixed Rate Loan 4.125 2.000 4.330% $2,423.25
4.250 1.125 4.381% $2,459.70
4.375 0.500 4.453% $2,496.43
Jumbo 5/1 ARM $417,001 to
$1,000,000 No Mortgage Insurance7,9
Rate Points % APR* Payment2,3
30-Year Fixed Rate Loan 4.250 2.000 4.456% $2,459.70
4.375 1.125 4.507% $2,496.43
4.500 0.500 4.578% $2,533.43
Jumbo 5/1 ARM $417,001 to
$1,250,0004,6,7,8
Rate Points % APR* Payment2,3
30-Year Amortization 5/1 ARM 3.000 0.000 2.947% $2,105.32


*APR = Annual Percentage Rate
1Payment based on $100,000 loan amount.
2Payment based on $500,000 loan amount.
3Actual payment amounts may be greater due to tax and insurance premiums, if applicable
4Maximum LTV is 80%. 
5LTV up to 95%. Income restrictions and additional conditions apply.
6Adjustable rate mortgages are variable and may increase or decrease during the life of the loan.  Margin 2.75%   FNMA 5/1   2/2/5 Libor Index 
7 Additional Restrictions Apply
875% Max LTV for loans greater than $1,000,000
985% Max LTV. Purchase only. Promotional pricing applies


NMLS #466072
Equal Housing Opportunity

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